September 2015 Visa 189/190 Applicants!!!

tooties

@sunflower @thegreatiam15 BTW if mag IES n keo apply kayo agad nang TFN and present it sa bank if may savings account keo..otherwise malaki ang tax n kunin sa interest nang savings nyo..hehe

sunflower

@tooties
Yes, thank you po sa reminder! Pagka-land ko sa 'Straya, isa yung TFN sa una kong aasikasuhin, mukha ring matagal bago matanggap eh.

prcand

@sunflower wait... so ibig sabihin di pwede mag withdraw sa iSaver account using ATM no? kelangan mo i-transfer to classic account in case gusto mo mag withdraw

engineer20

@prcand ang iSaver account ay parang MySavingAccount ng POSB dito sa SG. wala siyang sariling atm card. kaso sa NAB di accessible at di pwedeng ilink ang iSaver sa ibang atm unlike MSA.

sunflower

@prcand
Yan ang hindi ko sure kasi hindi ko pa nattry. Pero as far as I know, madali lang magtransfer ng funds from your NAB Classic Account to your NAB iSaver. Kasi kung naka-enrol yung account mo sa internet banking, pwede mo siya matransfer when you go online or if you have the NAB app on your mobile.

thegreatiam15

@sunflower

ahh salamat ok papadisconnect ko na next number ko would be an OZ one!!!! OPTUS TELSTRA VODAFONE ano pa ba? haha

thegreatiam15

@sunflower @thegreatiam15 BTW if mag IES n keo apply kayo agad nang TFN and present it sa bank if may savings account keo..otherwise malaki ang tax n kunin sa interest nang savings nyo..hehe

pwede na kaya magapply nang TFN habang wala pa ako sa OZ kasi nakalagay dun kelangan andun na ako needs to meet three requirements

pero forward thinking lang kasi kung ifill up ko na form para pagdating dun hehe ready na ewan ko lang paano ba

chu_se

@C_hiLL,,tanong ko lang sir,sa cebu pac ba flight mo sa may 15?
Sa may 16 nmn yung sakn,,,Mag initial entry po ba kayo o bigmove na?SYdney din ako,,,,

tooties

@thegreatiam15 Go for Optus...ang mahal Telstra..ok naman din vodafone.

Liolaeus

@ram071312 Thanks Re: PDOS. Nakapag reserve slot na kami buong family.

@Liolaeus see you in Bribane po via PAL po pala kayo, kelan po ang flight nyo? Kami po via Qantas May 29-June10, sa West End po ang nakuha kong accommodation..

Sa north naman ako, NewMarket, kasi may relatives kami dun. May 27 ang target pero di pa ko nakakapag book. haha

@ram071312
Uy, sa Brisbane rin po ako! Baka sometime in the future pwede tayo mag-set ng merienda/dinner with all the other PinoyAU members in Brissie para naman lumawak ang network natin hehe.

Ayan! EB na! )

pwede na kaya magapply nang TFN habang wala pa ako sa OZ kasi nakalagay dun kelangan andun na ako needs to meet three requirements

pero forward thinking lang kasi kung ifill up ko na form para pagdating dun hehe ready na ewan ko lang paano ba

May nakagawa na nyan, nabasa ko dito sa forum. Gagawin ko din sana pero ganun din nakita kong requirements, kelangan nasa Australia na. Balitaan mo kami pag may additional info ka. Mag check din ako.

Liolaeus

@thegreateiam15

Aww eto sabi ni TassBurfoot

You need to be onshore to be able to apply for a TFN - when you entered your passport kasi, connected ito sa border security ng Australia hence ATO will know if you are onshore or offshore at the time of application.

Liolaeus

@sunflower @thegreatiam15 BTW if mag IES n keo apply kayo agad nang TFN and present it sa bank if may savings account keo..otherwise malaki ang tax n kunin sa interest nang savings nyo..hehe

Gano kalaki? hehe 3-4 weeks daw yung TFN makuha. Yung bank activation naman within 6 weeks upon entry. Dapat sa bank activation ipakita yung TFN? if so, late na makakapag withdraw ng pera. huhu

prcand

@Liolaeus @tooties ano ang IES? Tsaka, clarify ko lang... Required and TFN para di ka ma-tax sa savings account? If hindi mo pinakita to sa bank, mata-tax ka?

Also, sabi raw kaya magawa TRN within one hour. Natanong ko rin to dati. Tsaka ung ATM card, dapat ni-remind mo sila at least 3 weeks before personal meetup para ready na siya on the day itself.

Liolaeus

@Liolaeus @tooties ano ang IES? Tsaka, clarify ko lang... Required and TFN para di ka ma-tax sa savings account? If hindi mo pinakita to sa bank, mata-tax ka?

IED ata yun, na mistype lang ni @tooties. Pag nag Initial Entry daw.

Also, sabi raw kaya magawa TRN within one hour. Natanong ko rin to dati. Tsaka ung ATM card, dapat ni-remind mo sila at least 3 weeks before personal meetup para ready na siya on the day itself.

Kaya daw ng one day lahat, TFN, medicare, etc. Makuha ba agad yung TFN number that day? yung pag dating ng TFN letter/card ata yung 3-4 weeks.

sunflower

Gano kalaki? hehe 3-4 weeks daw yung TFN makuha. Yung bank activation naman within 6 weeks upon entry. Dapat sa bank activation ipakita yung TFN? if so, late na makakapag withdraw ng pera. huhu

Sabi ng boyfriend ko, 50% daw iwwithhold (yun na daw yung maximum na pwede kang i-tax) dun sa interest and not on your actual money itself. Although makukuha mo rin naman daw iyon sa tax return eventually.

Anyway, may nabasa ako na nag-iissue ang ATO (Australian Taxation Office) ng Certificate of application for a TFN, para may proof tayo na kumuha na tayo ng TFN and that we're just waiting for it. Baka naman pwede nating ipakita yun muna kung saan man iba pang may kailangan ng TFO.

Also, regarding bank activation, passport lang ang kailangan natin ipakita kasi migrant banking yung inapply-an natin. Namention rin sa PDOS sa CFO na yun ang isang benefit ng bagong migrant pag nag-apply ka for a bank account within... 6 weeks ata from your arrival. Kasi after that, hihingi na sila ng kung anu-anong proof of identification, kasama na yung TFN.


EDIT:

It’s not compulsory for you to provide your TFN when you open your accounts. But, if we don’t have it recorded, Withholding Tax (WHT) may apply to interest earned on your accounts.

By giving us your TFN you should receive the full amount of the interest earnings in your account. If you do your tax online some fields are pre-filled for you, including interest earnings. But, this can only be pre-filled if you’ve provided your TFN. So, giving us your TFN when you open your accounts can also make it easier to complete your tax return.

WHT is calculated using the top marginal rate of tax (which is 45%) plus Medicare levy (which is 1.5%). If you’re a non-resident, the WHT rate is 10%. WHT applies to accounts that earn over $120 interest (for adults) and $420 (for children) for the financial year on a pro-rata basis.

Source: http://learn.nab.com.au/provide-your-tax-file-number-when-you-open-your-bank-accounts/

sunflower

pwede na kaya magapply nang TFN habang wala pa ako sa OZ kasi nakalagay dun kelangan andun na ako needs to meet three requirements

pero forward thinking lang kasi kung ifill up ko na form para pagdating dun hehe ready na ewan ko lang paano ba

May nakagawa na nyan, nabasa ko dito sa forum. Gagawin ko din sana pero ganun din nakita kong requirements, kelangan nasa Australia na. Balitaan mo kami pag may additional info ka. Mag check din ako.

You can apply for a tax file number online if you meet these three conditions:

1. You are a foreign passport holder, permanent migrant or temporary visitor.
2. You are already in Australia.
3. Your visa is one of the following:
-a permanent migrant visa
-a visa with work rights
-an overseas student visa
-a visa allowing you to stay in Australian indefinitely (including New Zealanders automatically granted a visa on arrival).

Source: https://www.ato.gov.au/individuals/tax-file-number/apply-for-a-tfn/foreign-passport-holders,-permanent-migrants-and-temporary-visitors---tfn-application/


Tapos, pag nag-attempt ka parin kumuha ng TFN online, hindi rin gagana hehe.

thegreatiam15

pwede na kaya magapply nang TFN habang wala pa ako sa OZ kasi nakalagay dun kelangan andun na ako needs to meet three requirements

pero forward thinking lang kasi kung ifill up ko na form para pagdating dun hehe ready na ewan ko lang paano ba

May nakagawa na nyan, nabasa ko dito sa forum. Gagawin ko din sana pero ganun din nakita kong requirements, kelangan nasa Australia na. Balitaan mo kami pag may additional info ka. Mag check din ako.

You can apply for a tax file number online if you meet these three conditions:

1. You are a foreign passport holder, permanent migrant or temporary visitor.
2. You are already in Australia.
3. Your visa is one of the following:
-a permanent migrant visa
-a visa with work rights
-an overseas student visa
-a visa allowing you to stay in Australian indefinitely (including New Zealanders automatically granted a visa on arrival).

Source: https://www.ato.gov.au/individuals/tax-file-number/apply-for-a-tfn/foreign-passport-holders,-permanent-migrants-and-temporary-visitors---tfn-application/


Tapos, pag nag-attempt ka parin kumuha ng TFN online, hindi rin gagana hehe.

kaya ayun hehe hindi rin ako makapagfile kasi nga sa kundisyon na to so meaning
once we get to OZ

eto na unang lalakarin mo or may ilang araw kapa para ayusin to?

pero kung kaya nang isang araw yung centrelink, TFN, bank at kung ano ano pa then i guess 1 day shouldn't hurt compared sa lifetime na stay na natin sa OZ hahaha

sunflower

@thegreatiam15
Siguro mas maganda lakarin mo na yan lahat sa isang araw para tapos na. Pero tulad ng sabi ni Liolaeus , mga 3-4 weeks pa bago dumating yung TFN card, so maghihintay pa rin.

Liolaeus

Sa mga hindi pa nag t-transfer ng money from PH to AU.. Share ko lang yung ginawa ng biyenan ko last week. Nag padala sya ng PhP350k sa anak nya sa AU via iRemit. Ang iRemit fee ay AUD10 lang (PhP350). Tapos ang exchange rate ay PhP35.20. Pag dating ng pera sa AU, meron pa atang fee AUD15 na ibabawas ang NAB.

So breakdown ng transfer ay:
AUD10 - iRemit Fee
AUD15 - NAB Bank fee
PhP 35.20 - Exchange rate

Nag mamahal na ulit ang AUD kontra piso. Baka mas malaki na ngayon pag bank to bank wire transfer PhP36 o PhP37. Try ko din mag iRemit this week.

C_hiLL

@chu_se big move na po. Adelaide ako talaga, dadaan lang muna ulit sa Sydney

ram071312

@sunflower Yes EB po tayo at sana ma'am ikaw ang maging teacher ng baby ko pag jan na sya ang aral

prcand

@Liolaeus pwede naman dun ka na mag depost ng pera no? siguro walang NAB charge pag cash payment...

engineer20

@prcand pwede naman cash deposit sa branch. ganun balak namin gawin sa bakasyon next month. mas ok lang wire transfer pag malakihang amount.

prcand

@engineer20 oo nga... yan ung plano ko this month pag initial entry, as long as hindi lalampas ng 10K AUD, game lang cash deposit

Liolaeus

@Liolaeus pwede naman dun ka na mag depost ng pera no? siguro walang NAB charge pag cash payment...

Pwede naman sa AU na mag deposit. hehe

Sayang lang din kasi yung interest ng first 4 months kaya gusto ko na mag deposit habang maaga. 2.5% interest sa iSaver account.

sunflower

@sunflower Yes EB po tayo at sana ma'am ikaw ang maging teacher ng baby ko pag jan na sya ang aral

Yes, sana nga po para may Pinoy students ako! Hehehe.

Pwede naman sa AU na mag deposit. hehe

Sayang lang din kasi yung interest ng first 4 months kaya gusto ko na mag deposit habang maaga. 2.5% interest sa iSaver account.

Ito rin naisip ko eh kaya nag-deposit ako agad! After kasi ng first 4 months, balik na sa regular interest rate.

prcand

@sunflower @Liolaeus teka... clarify ko lang... kunwari nag deposit ka ng AU$10K... that means 250 per month interest (assuming hindi compounded), so 4 months, meron ka ng $1,000 tubo?

sunflower

@prcand
2.5% interest siya PER YEAR and NOT per month. So, ang formula ay:

(money deposited x .025) / 12

Halimbawa, kung AUD 10,000.00 ang dineposit mo, 20.83 ang makukuha mong interest for the first four months.

prcand

@sunflower ayun... kala ko monthly interest as part ng pagiging new immigrant benefits. annual din pala. salamat!

sunflower

@prcand
Sobrang saya nun kung per month ay 2.5% ang interest! Hehe. You're welcome. Nakapag-deposit ka na rin ba ng money?